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明明白白“借呗” 开开心心“花呗”

2017-08-10 08:14:58   

▲ 银行是否愿意借钱给你、能借多少、利率优惠多少,不仅与个人征信报告上是否有逾期有关,而且与职业、收入、公积金缴付比例以及固定资产、消费水平、负债规模等多种因素挂钩

▲ 大多数银行信用贷会被记录到个人征信报告中,体现为个人负债情况,因而在一定程度上会对后期申请房贷产生影响

来一次说走就走的旅行、换一辆心仪已久的SUV汽车、留学深造提高自己的“含金量”……现在,越来越多的人愿意花“明天的钱”圆今天的梦。不少金融机构也逐渐发现个人消费信贷这块“富矿”,并大力开发相关产品。那么,作为消费者来说,怎样才是正确的贷款“打开方式”?

一头连接商家(B端)、一头连着消费者(C端),互联网金融“近水楼台先得月”:支付宝里悄悄冒出了“借呗”“花呗”,贷款都透着一股潇洒劲儿;京东也“土豪”气十足,不怕您没钱“买买买”,可以打“白条”啊,再加上微信推出的“微粒贷”等,让人忍不住下手的冲动。

且慢!别看马云、刘强东们如此卖力吆喝,到底借他们的钱划不划算呢?这就要因人、因事而异,仔细考察比较了。就拿“借呗”来说,其实是支付宝推出的一款贷款服务,目前的申请门槛是芝麻信用评分在600以上。按照评分的不同,用户可以申请的贷款额度从1000元至30万元不等,还款最长期限为12个月。

若论“借呗”的优势,胜在方便快捷、无需抵押,动动手指就能“秒到账”。不过,其贷款利率一般为日息万分之四,换算成年化利率高达14.4%,几乎是一般银行消费贷款平均利率水平的两倍多。因此,它更适合急用钱又缺乏其他资金渠道的人短期周转,时间长了并不划算。微信“微粒贷”、京东“金条”等互联网消费金融也与之类似。

与火热的互联网金融相比,国有“四大行”和商业银行显得比较低调,但他们其实也在不遗余力地推动金融与现代科技手段相结合。目前,客户只需要通过网上银行、手机银行即可查询自己的授信额度,办理个人信用贷款业务,不用去柜台排队等待,手续大大简化。对有一定经济基础、工作比较稳定的人来说,也是很好的贷款渠道。

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